It's easy to assume that car insurance companies don't want their policyholders to compare prices. Consumers who shop around for the cheapest rate are very likely to buy a new policy because they have a good chance of finding lower rate quotes. A survey found that consumers who made a habit of comparing rate quotes saved $3,450 over four years as compared to drivers who never shopped around.
If finding the cheapest price on auto insurance in Tampa is your ultimate target, then having a grasp of how to get free comparison quotes and analyze insurance can help you be more efficient.
The best way we recommend to find cheaper quotes for Dodge Grand Caravan insurance is to start comparing prices yearly from insurers that insure vehicles in Tampa. This can be done by following these steps.
- Step 1: Get a basic knowledge of how companies set rates and the steps you can take to prevent rate increases. Many policy risk factors that are responsible for high rates like accidents, traffic violations, and a negative credit score can be remedied by making minor changes in your lifestyle. Later in this article we will cover instructions to lower rates and earn a bigger discount.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies.
- Step 3: Compare the new rates to the price on your current policy to determine if switching companies saves money. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide notification to your current company of your intent to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new agent or company. Once coverage is bound, store the certificate of insurance along with your vehicle registration.
One piece of advice is to use identical limits and deductibles on every quote request and and to get price quotes from as many carriers as you can. This enables an apples-to-apples comparison and a thorough price selection.
If you have coverage now or just want cheaper coverage, use these cost-cutting techniques to find the best rates while maintaining coverages. Locating the best insurance company for you in Tampa can be easy if you know a few tricks. Shoppers just have to learn the most efficient way to compare company rates on the web.
Compare Tampa Dodge Grand Caravan insurance quotes
Finding cheap Tampa insurance rates is pretty simple and can save money. The only requirement is to invest a few minutes getting comparison quotes from some recommended companies.
It's so easy to compare rates online that it makes it a waste of time to go to different Tampa agent offices. The ability to get quotes online makes this unnecessary unless you prefer the advice and guidance of a local Tampa agent. Some companies do allow you to get prices online but buy from a local insurance agent.
The providers in the list below provide comparison quotes in Tampa, FL. If you want to find cheap car insurance in Tampa, we suggest you click on several of them to get a more complete price comparison.
Discount Tampa insurance quotes
Insurance can cost an arm and a leg, but there may be some discounts that many consumers don't even know exist. Certain credits will be shown at the time you complete a quote, but a few need to be specifically requested before you get the savings.
- Discounts for Seat Belt Usage - Drivers who require all vehicle occupants to wear their seat belts can save a little off the medical payments premium.
- Safety Course Discount - Successfully completing a class that teaches defensive driving techniques can save you 5% or more if you qualify.
- Discounts for Multiple Vehicles - Purchasing coverage when you have all your vehicles on a single policy may reduce the rate for each vehicle.
- Student Discounts - Being a good student may save you up to 25%. Most companies allow this discount until age 25.
- Military Deployment Discount - Being on active deployment in the military could qualify you for better prices.
Discounts lower rates, but most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, that's just not realistic.
The information below shows the difference between Dodge Grand Caravan auto insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.
A few of the larger companies and some of the discounts are detailed below.
- Progressive policyholders can earn discounts including continuous coverage, good student, online quote discount, homeowner, and online signing.
- GEICO includes discounts for military active duty, driver training, five-year accident-free, multi-vehicle, and anti-theft.
- State Farm has savings for safe vehicle, anti-theft, accident-free, Steer Clear safe driver discount, good driver, passive restraint, and multiple policy.
- Esurance may include discounts for claim free, multi-policy, defensive driver, homeowner, renters, Switch & Save, and DriveSense.
- The Hartford discounts include vehicle fuel type, defensive driver, bundle, good student, air bag, and anti-theft.
If you are trying to find affordable Dodge Grand Caravan insurance quotes, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply in every state. If you would like to choose from a list of companies offering insurance discounts in Tampa, click here.
Insurance rate breakdown
The table displayed next outlines a range of insurance rates for Dodge Grand Caravan models. Having a good grasp of how auto insurance premiums are established can be of help when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$202||$298||$392||$24||$118||$1,034||$86|
|Grand Caravan SE||$202||$298||$392||$24||$118||$1,034||$86|
|Grand Caravan Hero||$202||$364||$392||$24||$118||$1,100||$92|
|Grand Caravan Crew||$228||$364||$392||$24||$118||$1,126||$94|
|Grand Caravan SXT||$228||$364||$392||$24||$118||$1,126||$94|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can lower or raise coverage rates substantially.
Safe drivers pay less for auto insurance
The diagram below demonstrates how traffic citations and at-fault fender-benders drive up Dodge Grand Caravan yearly insurance costs for different age groups of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Auto insurance rates by age and gender
The example below compares Dodge Grand Caravan insurance rates for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Dodge Grand Caravan liability rates compared to full coverage
The illustration below compares Dodge Grand Caravan car insurance costs with full coverage compared to only the Florida minimum liability coverage. The data is based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to buy liability coverage only
There is no set rule for eliminating full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let's pretend your Dodge Grand Caravan settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying the physical damage deductible. If it's costing in excess of $400 annually for full coverage, then you might want to consider buying only liability coverage.
There are some conditions where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Insurance agents are trained to help
Some consumers still like to talk to an insurance agent. Experienced insurance agents will help you protect your assets and help submit paperwork. One of the best bonuses of price shopping on the web is that drivers can save money and get the best rates and still choose a local agent. And buying from small agencies is important particularly in Tampa.
Once you complete this form (opens in new window), your information is sent to agents in your area who will give you quotes for your car insurance coverage. You never need to visit any agencies due to the fact that quote results will go to you instantly. If you need to compare rates from a specific company, you just need to jump over to their website and complete a quote there.
Tampa car insurance agents come in two flavors
If you need to find a reliable agent, it helps to know the two different agency structures and how they can quote your rates. Agents in Tampa can be classified as either independent or exclusive. Both types of agents can write car insurance policies, but we need to point out the differences since it can impact your agent selection.
Independent Agents (or Brokers)
Agents in the independent channel are not locked into one company and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company and you don't have to find a new agent.
When comparing car insurance prices, you need to get several quotes from several independent insurance agents to have the most options to choose from.
Below is a short list of independent insurance agents in Tampa that can possibly get you price quotes.
Agents of this type have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable on their company's products which helps offset the inability to provide other markets.
Shown below is a list of exclusive insurance agents in Tampa willing to provide price quotes.
Finding the right auto insurance agent requires more thought than just a cheap quote. Some important questions to ask are:
- Is there a Errors and Omissions policy in force?
- Will their companies depreciate repairs to your car based on the mileage?
- Where are claims handled?
- How long have they been in business?
- In the event of vehicle damage, can you pick the collision repair facility?
- How long have they worked with personal auto insurance coverage?
- Is there any savings for paying the full premium?
- How does the company pay claims for a total loss?
What is the best car insurance company in Florida?
Selecting the highest-rated company can be rather challenging considering how many companies there are in Tampa. The company ratings shown next can help you choose which coverage providers you want to consider comparing rates from.
Top 10 Tampa Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Top 10 Tampa Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Specific coverage details
Having a good grasp of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from car insurance companies.
Auto liability - This will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn't cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 10/20/10 that translate to $10,000 in coverage for each person's injuries, $20,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things like emergency aid, medical services and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Florida state minimum liability requirements are 10/20/10 but drivers should carry more liability than the minimum.
The illustration below shows why buying the state minimum limits may not be enough coverage.
Medical costs insurance - Med pay and PIP coverage provide coverage for immediate expenses such as dental work, X-ray expenses, ambulance fees and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.
Due to the fact that many Florida drivers have only the minimum liability required by law (10/20/10 in Florida), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision - Collision coverage will pay to fix damage to your Grand Caravan resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as rolling your car, damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible on your Grand Caravan to bring the cost down.
Comprehensive or Other Than Collision - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hail damage, a broken windshield and hitting a bird. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Lower rates by being persistent
Cost effective Dodge Grand Caravan insurance is definitely available on the web as well as from independent agents in Tampa, so get free Tampa car insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent agents.
When shopping online for insurance, don't be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured cut collision coverage only to regret at claim time they didn't purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate.
We just presented some good ideas how to reduce Dodge Grand Caravan insurance premium rates online in Tampa. The most important thing to understand is the more rate quotes you have, the higher your chance of finding inexpensive Tampa car insurance quotes. Consumers may even find the most savings is with a small local company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.
Additional insurance information can be found at these links:
- Senior Drivers (Insurance Information Institute)
- How Much is Car Insurance for Postal Workers in Tampa? (FAQ)
- What Car Insurance is Cheapest for Drivers with Accidents in Tampa? (FAQ)
- How Much is Tampa Auto Insurance for Drivers Over Age 50? (FAQ)
- Who Has Cheap Car Insurance Quotes for Ride Shares in Tampa? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Tampa? (FAQ)
- How Much are Tampa Car Insurance Rates for a Nissan Sentra? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Dodge Grand Caravan in Tampa? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Understanding your Policy (NAIC.org)